Education fund

Richard

Berekum, Ghana

5% repaid

Follow Richard How it Works

Entrepreneur

Name

Richard

Member since

February 2018

On-time repayments

16 installments  •  75%

About Me

I started school my self at Biadan Methodist school in Berekum.
This was because of broken home.
I was helped by one teacher.
By the grace and help of God too, He granted me knowledge and wisdom.
In fact He is my companion and helper in hardship. He has been my only helper and guardian since my childhood. Scholarships and my awards, people's loving and caring, oh he knows why he brought me on this earth, so I do not used to say much about my difficulties. Everyone must know that God is the answer to all problems. I have no child.

My Business

I am an employed teacher in Berekum T- Kwarts School Of Excellence.
I am pupils teacher.
I also cultivate vegetables such as pepper, okro and garden eggs .
I wish to add poultry farming and growing of tomatoes in the harmattan season.
Vegetables cropping is very fast for marketing more especially during dry season.
I received Ghc400 every month but due to financial problems at home i can not depend on only that. I have four sisters and three nieces. My father is no more and my mother is now weak.
That is why I chose to add more work to the one I am doing now in order to help my two younger sisters and my three nieces.
I will have to also prepare for my future education further up.

Loan Proposal

Please I want to continue my education at abroad.
This is to prepare me well to suit the world market.
I have planned to study IT in order to contribute to the world communication and information technology development system.
I want to also raise money to help my mother who is in charge of my education and my siblings education too.
I have the eldest son so I want create a smooth path for my younger siblings so that they so not struggle on financial issues.
Because I am a teacher. I will like to give some of the money I receive to my mother for her to start trading.
I will also used some to finance my scholarship program.
In order to be faithful to the community, I will like to ask for your favour to give me additional money if possible.
However, if it will not be possible. It is okay.
I may then like to say thank you.

Feedback

None

None

None

Loan Info

Project Type

Classic Loan

Disbursed amount

$470.00

Date disbursed

Jul 9, 2018

Repayment status

Late

Projected term

4 weeks

Other loans

Feb 2018:  $113

Mar 2018:  $391

Lenders

J

jared4

parowan, United States

W

willemsenphilippe

Edegem, Belgium

Kevin

San Francisco, United States

A

Anonymous

United States

The Weltys

Averill Park, NY, United States

Paul Buchheit

Mountain View, United States

CN

Craig Newmark

United States

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  • Richard    Feb 6, 2019

    Please the MTN company said that the old MTN line MITa has only Ghc 90 on the wallet so they were not able to reverse my money to me. So please contact them or else please credit the money to my account.
    Also I need the new payment line.

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  • J    Dec 8, 2018

    Dear Richard,

    It can take up to 3 business days, US Eastern Time, for a repayment to be credited to your account.

    After that time, if the payment hasn’t been credited please create a support ticket with the following details:
    - Date you made the payment
    - Payment amount
    - Phone number or account number you used to send the payment
    - Transaction ID of your payment

    Also check the payments of the previous loans. Sometimes an payment of a few month ago isn’t recorded. Then it only looks if a current payment isn’t recorded but it is booked correctly and is shown on the old loan where there is a missing payment.

    So check carefully which payments aren’t recorded and then create a support ticket using the help menu (www.zidisha.org/borrower/help) with the correct info.

    Kind regards,
    Joost
    Team Zidisha

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  • Richard    Dec 7, 2018

    Please I have paid Ghc 400.00 to 0548418954 but only Ghc 100 has been credited to my account.
    Why if you are no longer accepting repayments then you also allow us to adjust the repayments to the new account but it seems the system is not allowing me to get access to the new repayment system or account because I am not able to pay it on the due time and amount I am paying too is lower than the amount I selected to pay.
    So now the MiTa was and still your Momo account so if any is send to it because of unawareness of the new account are you trying to steal from others just that you have informed them and they could not paid it through the new account?
    You must use the old line along with the new account in order to help us those who could not pay it due to some financial constraints we encountered or else I can continue to send my money for you to take it for free.
    Now if I you do not credit the Ghc 300.00 from today,Friday to Sunday, I will not continue to pay again.
    Below are my payments proofs.
    Please check the dates.

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  • Richard    Oct 29, 2018

    I have tried to make adjustment and pay the loan.
    However, the point is you made me lose everything I was hoping for.
    You promised to give me about 26 million but you refused to fulfil your promise after your system jammed.
    Instead of you to accept the blame you rather let me take the risk.
    I paid Gh¢498 first and you gave me Gh¢494 to pay Gh¢1748 so that you will give me about Gh¢2600. So I force to make the payments on time but you intentionally refused my credit limits.
    You then gave me back my money as the loan.
    I name my account as Education Fund, I told you I am doing this in order to get money to finance my education, so as I am being faithful you too be faithful to me when I finish paying the loan but you failed to do so.
    Now because I could not get the money a the right time I have loss those chances and have to wait, the money too has been waisted on its process. Since I did late submission.

    Upon all these, I still wanted to pay back the money but since now I do not have the same amount, I wanted to adjust but the system is insisting that I should make first payment but I thought you wrote in your message that I can make adjustment to pay the amount which I can pay.
    So this time too do not be ignorant because that is what killed my trust and what also let me lose my chance.
    Sometimes it too long for you to respond to our problems but you have a problem with us because you have the power, you want to do it with force. So make sure you let the system be adjustable for us.

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  • Tetteh    Sep 8, 2018

    Richard promised to make payment soon.

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  • Tetteh    Aug 2, 2018

    Hello lenders, I have successfully spoken to RICHARD on phone concerning his past due payments.
    He promised to make all payments asap.
    Thank you.

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  • Richard    Jul 8, 2018

    I am very grateful for your help.
    I will do all my best to pay the money on time.
    I also thank my lender for accepting my request.
    However, the money has not been disbursed into my account yet.
    Therefore, I will plead with the board to do it on time, so that I can use it to work for sometime before I Start to pay it back.
    We are in a rainy season, vegetables and food stuffs largely produce this time, so their marketing is also convenient at this time, since much stuffs can be marketing at a time with less capital.
    Please i wish it will not take long.
    Thank You.

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  • Richard    Jul 2, 2018

    Please I have finished paying my loan but my last three payments have not been credited to my account.
    I have log support ticket but still is about a week and two days now.
    I have heard nothing positive from them.
    They only respond to my complaints but they do not solve the problems.
    Please I beg you in the name of God, if you can get access to them, please talk to them for me.
    Now I need money to finance my scholarship program.
    I have been to this community since I joined this community.
    Please do not disappoint me.
    This is my last chance.

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    • J    Jul 3, 2018

      Please read my previous message and follow the link to announcement of the Zidisha director Julia. You can find all the details there (there are multiple pages).

      Log in to reply • Share

  • J    Jun 27, 2018

    Dear Richard,

    Did you see this announcement from our director? www.zidisha.org/forum-threa...

    My advice is to continue to pay as scheduled. Normally it can take up to 3 business days, US Eastern Time, for a repayment to be credited to your account. This time you should wait a few more days.

    If the payment hasn’t been credited next week then please create a support ticket using the help menu (www.zidisha.org/borrower/help) with the following details:
    - Date you made the payment
    - Payment amount
    - Phone number or account number you used to send the payment
    - Transaction ID of your payment

    Kind regards,
    Joost
    Team Zidisha

    Ps. The payments will still be recorded on the day that you did the actual repayment.

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  • Richard    Jun 27, 2018

    Please I have sent this week's payments and last week's payments on 25th June, 2018.
    I paid Ghc 400.

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  • Richard    Jun 27, 2018

    Please I made last week's and this week's payments on Monday, 15th of this month please check that for me and credit it to my account.

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  • J    Jun 23, 2018

    Dear Richard,

    I have answered your question.
    www.zidisha.org/forum-threa...

    Please note that I am a lender volunteer and not a staff member. If you need help from a staff member then please always create a support ticket using the help menu (www.zidisha.org/borrower/help). This is a place to communicate with your lenders.

    Kind regards,
    Joost
    Team Zidisha

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    • Richard    Jul 5, 2018

      Thank you very much Sir.
      They have rectified the first two payments it has Left with the third one.
      Please I have been asked to pay $750
      Please can you help me with that.
      Increase my next loan for me.

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  • Richard    Jun 17, 2018

    In fact you have disappointed me greatly.
    I wish I could work with you for long but the way your makes mistakes and you used that against your clients is very bad.
    I chose to pay Ghc 200 in order to keep the little I have for trading and then pay the balance with the profit.
    I have commented on that several times but no positive response. All you know is the reduce percentage in order to disappoint your clients.

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  • Richard    Jun 17, 2018

    Well thank you very much Mr. Christian.
    I will give a try and see.
    However, I made payment on 15th June,2018.
    It has been accredited to my account yet.
    So please board members do something about it.

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  • Richard    Jun 9, 2018

    Please I have tried as much as I can but it seems you are still not getting my point.
    I selected Ghc 200 as the instalment amount that I can pay every week.
    However, the computer automatically selected Ghc 1274 but I have already explained everything to you.
    Since then my next loan have reduced drastically and this is really breaking my trust.
    Please you must know well how your system works and understand the fact that you are dealing with people of different background.
    The problem is not me but the system, when you select the amount you can pay, it also go back and pick the amount that it wants.
    Please you must consider how I used to pay my money on time.
    When ever I see that on my page it makes me worry.


    However you do not also respond to my messages why?.

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    • J    Jun 9, 2018

      Dear Richard,

      Lenders can't help you with that. Only Zidisha's Staff can help you with this request. Although some Staff members also are lenders, most lenders are not on the Staff. To reach the appropriate team of volunteers on Staff (teams are organized according to borrower country), please send in a Support Ticket from the "Help" link in your account. Your Support Ticket will get routed automatically to the correct team. Please note that it can take up to three business days to receive a reply, or longer when we are short-staffed (which we currently are). Thank you, in advance, for your patience.


      Kind regards,
      Joost
      Team Zidisha

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      • Richard    Jun 23, 2018

        Please I am very sorry to reply you directly here but I have no other option.
        You may get direct access to the team since you have been a lender.
        I have log the ticket yet still they have not responded and they have even reduce my next loan to give lesser money done my MLF itself.
        Can this be possible?
        Even if it is possible, is it fair?
        Are they really helping me or they are cheating me.
        I am new member so why should I suffer this tragedy whilst I have loyal to this community since I joined this community?
        Why, I am even about to loose my opportunity because of this error.
        Why?
        I really don't understand, so can I reach any of the team members directly to help me solve this problem?

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    • Christian    Jun 17, 2018

      Hello Richard, I can see you made repayment on 1st June and 8th June. Try again to re-adjust your repayment again to see. If it fails, then kindly log a ticket, for Zidisha staffs can be of help to you. Wishing you all the best in the days ahead.

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  • Richard    Jun 2, 2018

    This my vegetable farm.
    I am plucking it.
    Meanwhile, I am also preparing to go to school.
    So please I will like for you to release the loan on time as soon as I finish paying my current loan.

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  • Richard    Jun 2, 2018

    Why does the system always select it own amount for the borrowers.
    However I have sent Ghc 200 on 1st June,2018.
    Please check that for me.

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  • Richard    Jun 2, 2018

    Please I cannot used the money I am using for trading or business to pay the loan and go for loan from different bank.
    So I have decided to use the profit I get from my business to pay.

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  • Richard    May 25, 2018

    Please I chose Ghc 200 as my next installment so please check it for me.
    The system has automatically selected Ghc 1474 but I cannot pay this amount.
    So if the payment of this week's instalment delays, it is because of the problem I am informing you now.

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  • Richard    May 25, 2018

    I have gotten a scholarship opportunity.
    I told you that I want this loan to finance my education. That's why i named it education Fund.
    Please understand my situation now, so that I will not loose this opportunity.
    I need money to finance the process.
    So I want to pay the money fast in order to get the loan on time and finance the process well.

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